Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Current assets:
Cash and cash equivalents	$ 11,405,119	$ 2,137,580
Accounts receivable, net	1,219,370	1,274,001
Settlement processing assets	24,079,975	38,906,780
Prepaid card load assets	7,906,580	528,434
Prepaid expenses and other	185,109	183,575
Current assets before merchant reserves	44,796,153	43,030,370
Merchant reserves	8,234,404	10,016,904
Total current assets	53,030,557	53,047,274
Property and equipment, net	1,729,614	1,557,521
Other assets:
Intangibles, net	1,926,426	2,676,427
Deferred tax asset	1,394,000	1,394,000
Operating lease right-of-use assets	2,308,736	2,480,902
Other assets	422,418	404,055
Total other assets	6,051,580	6,955,384
Total assets	60,811,751	61,560,179
Current liabilities:
Accounts payable	405,334	419,849
Accrued expenses	1,303,757	1,360,551
Operating lease liabilities, current portion	236,700	356,184
Settlement processing obligations	24,079,975	38,906,780
Prepaid card load obligations	7,906,580	528,434
Deferred revenues	83,824	123,529
PPP Loan payable, current portion	342,096
Current liabilities before merchant reserve obligations	34,358,266	41,695,327
Merchant reserve obligations	8,234,404	10,016,904
Total current liabilities	42,592,670	51,712,231
Non-current liabilities:
PPP Loan payable, non-current portion	471,404
Operating lease liabilities, non-current portion	2,230,639	2,279,613
Total liabilities	45,294,713	53,991,844
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at September 30, 2020 (unaudited) and December 31, 2019, respectively
Common stock, $0.001 par value, 200,000,000 shares authorized; 25,887,785 and 18,224,577 issued, and 24,665,486 and 17,104,998 outstanding at September 30, 2020 (unaudited) and December 31, 2019, respectively	194,318	186,656
Additional paid-in capital	88,392,782	77,055,273
Treasury stock, at cost; 1,122,299 and 1,119,579 shares at September 30, 2020 (unaudited) and December 31, 2019, respectively	(2,065,763)	(1,885,452)
Deferred compensation	(5,793,116)	(5,636,154)
Accumulated deficit	(65,211,183)	(62,151,988)
Total stockholders’ equity	15,517,038	7,568,335
Total liabilities and stockholders’ equity	$ 60,811,751	$ 61,560,179